What is Chain Bridge Bancorp's earnings per share (EPS)?

Chain Bridge Bancorp (CBNA) reported diluted earnings per share of $3.08 for fiscal year 2025. This represents a -26.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Chain Bridge Bancorp Financials

CBNA

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Chain Bridge Bancorp (CBNA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CBNA FY2025 2026-05-12

Shareholder returns are being driven by balance-sheet leverage, while cash accumulation and external funding keep expanding the asset base.

From FY2023 to FY2025, equity roughly doubled from $83.4M to $169.2M. Yet return on assets stayed between 0.7% and 1.5%, telling you the business earns only modestly on each dollar of assets and relies on a large funded balance sheet to convert that thin asset yield into stronger shareholder-level returns.

FY2025 earnings quality softened: net income was $20.2M, but operating cash flow was only $15.6M. Capital spending also stepped up sharply, so free cash flow fell well below FY2024 even though reported profit stayed near the prior year's level, a sign that less of this year's earnings was available as discretionary cash.

The balance sheet is less stretched than two years ago but still liability-led: debt-to-equity improved from 13.4x to 9.3x. Even with $586.6M of cash, liabilities still fund about 90.0% of assets, so the company has meaningful liquidity in absolute dollars while remaining structurally dependent on stable funding to support its scale.

Financial Health Signals

Financial Health Score 61/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Chain Bridge Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

2/5

Chain Bridge Bancorp passes 2 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 2 of 4 profitability signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.77x

For every $1 of reported earnings, Chain Bridge Bancorp generates $0.77 in operating cash flow ($15.6M OCF vs $20.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$55.8M

YoY+16.2%

Chain Bridge Bancorp generated $55.8M in revenue in fiscal year 2025. This represents an increase of 16.2% from the prior year.

EBITDA

N/A

Net Income

$20.2M

YoY-3.4%

Chain Bridge Bancorp reported $20.2M in net income in fiscal year 2025. This represents a decrease of 3.4% from the prior year.

EPS (Diluted)

$3.08

YoY-26.1%

Chain Bridge Bancorp earned $3.08 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 26.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$11.5M

YoY-46.8%

Chain Bridge Bancorp generated $11.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 46.8% from the prior year.

Cash & Debt

$586.6M

YoY+42.8%

Chain Bridge Bancorp held $586.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

36.2%

YoY-7.3pp

Chain Bridge Bancorp's net profit margin was 36.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 7.3 percentage points from the prior year.

Return on Equity

12.0%

YoY-2.6pp

Chain Bridge Bancorp's ROE was 12.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$4.1M

YoY+1743.9%

Chain Bridge Bancorp invested $4.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 1743.9% from the prior year.

CBNA Income Statement

Metric	FY25	FY24	FY23
Revenue	$55.8M+16.2%	$48.1M+51.2%	$31.8M
Cost of Revenue	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A
SG&A Expenses	$17.7M+11.6%	$15.9M+28.7%	$12.4M
Operating Income	N/A	N/A	N/A
Interest Expense	$4.3M+17.2%	$3.7M-8.5%	$4.0M
Income Tax	$5.2M-2.6%	$5.3M+156.3%	$2.1M
Net Income	$20.2M-3.4%	$20.9M+137.2%	$8.8M
EPS (Diluted)	$3.08-26.1%	$4.17+116.1%	$1.93

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$15.5M+4.3%	$14.9M+10.9%	$13.4M+5.2%	$12.8M-13.4%	$14.7M+20.7%	$12.2M-16.7%	$14.7M+27.6%	$11.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.8M+2.4%	$4.7M+3.6%	$4.5M+9.5%	$4.1M-6.3%	$4.4M+1.3%	$4.4M+1.7%	$4.3M+13.0%	$3.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$595K-54.9%	$1.3M+13.8%	$1.2M+19.3%	$971K+8.7%	$893K+4.2%	$857K-16.1%	$1.0M+11.5%	$917K
Income Tax	$1.8M+34.0%	$1.4M+14.2%	$1.2M0.0%	$1.2M-16.6%	$1.4M+54.4%	$926K-51.9%	$1.9M+29.0%	$1.5M
Net Income	$7.1M+32.3%	$5.3M+13.7%	$4.7M+2.6%	$4.6M-18.2%	$5.6M+49.9%	$3.7M-50.0%	$7.5M+29.0%	$5.8M
EPS (Diluted)	$1.08	N/A	$0.72+2.9%	$0.70-17.6%	$0.85	N/A	$1.64+29.1%	$1.27

CBNA Balance Sheet

Metric	FY25	FY24	FY23
Total Assets	$1.8B+24.9%	$1.4B+16.3%	$1.2B
Current Assets	N/A	N/A	N/A
Cash & Equivalents	$586.6M+42.8%	$410.7M+29.7%	$316.8M
Inventory	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A
Total Liabilities	$1.6B+25.8%	$1.3B+12.0%	$1.1B
Current Liabilities	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A
Total Equity	$169.2M+17.3%	$144.2M+72.9%	$83.4M
Retained Earnings	$97.9M+26.1%	$77.6M+37.0%	$56.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.9B+9.6%	$1.8B+14.1%	$1.5B+6.2%	$1.4B-16.3%	$1.7B+23.2%	$1.4B-9.9%	$1.6B	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$611.8M+4.3%	$586.6M+48.3%	$395.7M+4.9%	$377.3M-40.0%	$629.2M+53.2%	$410.7M-35.8%	$639.8M+31.1%	$488.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.7B+10.3%	$1.6B+15.3%	$1.4B+6.4%	$1.3B-18.2%	$1.6B+25.3%	$1.3B-13.3%	$1.5B	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$174.9M+3.3%	$169.2M+3.8%	$163.1M+3.9%	$156.9M+3.6%	$151.5M+5.0%	$144.2M+37.6%	$104.8M+11.5%	$94.0M
Retained Earnings	$105.0M+7.2%	$97.9M+5.8%	$92.5M+5.4%	$87.8M+5.5%	$83.2M+7.2%	$77.6M+5.1%	$73.9M	N/A

CBNA Cash Flow Statement

Metric	FY25	FY24	FY23
Operating Cash Flow	$15.6M-28.5%	$21.8M+70.1%	$12.8M
Capital Expenditures	$4.1M+1743.9%	$223K-17.1%	$269K
Free Cash Flow	$11.5M-46.8%	$21.6M+72.0%	$12.5M
Investing Cash Flow	-$163.0M-67.6%	-$97.3M-310.5%	$46.2M
Financing Cash Flow	$323.3M+90.8%	$169.4M+6.5%	$159.1M
Dividends Paid	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$3.6M-42.7%	$6.4M+128.6%	$2.8M-17.0%	$3.4M+7.8%	$3.1M-27.4%	$4.3M-48.1%	$8.2M+42.1%	$5.8M
Capital Expenditures	$752K-41.3%	$1.3M+297.8%	$322K-60.7%	$820K-51.5%	$1.7M+1659.4%	$96K+242.9%	$28K-28.2%	$39K
Free Cash Flow	$2.9M-43.0%	$5.1M+106.4%	$2.5M-2.8%	$2.5M+78.2%	$1.4M-66.1%	$4.2M-49.1%	$8.2M+42.6%	$5.8M
Investing Cash Flow	-$140.2M-480.5%	-$24.1M+64.0%	-$67.0M-314.9%	$31.2M+130.2%	-$103.1M-35.8%	-$75.9M-685.2%	$13.0M+135.4%	-$36.7M
Financing Cash Flow	$161.7M-22.5%	$208.7M+152.6%	$82.6M+128.8%	-$286.5M-190.0%	$318.5M+302.3%	-$157.4M-220.6%	$130.5M-24.4%	$172.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

CBNA Financial Ratios

Metric	FY25	FY24	FY23
Gross Margin	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A
Net Margin	36.2%-7.3pp	43.6%+15.8pp	27.8%
Return on Equity	12.0%-2.6pp	14.5%+3.9pp	10.6%
Return on Assets	1.2%-0.3pp	1.5%+0.8pp	0.7%
Current Ratio	N/A	N/A	N/A
Debt-to-Equity	9.34+0.6	8.71-4.7	13.44
FCF Margin	20.6%-24.3pp	44.9%+5.4pp	39.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	45.5%+9.6pp	35.9%+0.9pp	35.0%-0.9pp	35.9%-2.1pp	38.0%+7.4pp	30.6%-20.4pp	51.0%+0.5pp	50.5%
Return on Equity	4.0%+0.9pp	3.2%+0.3pp	2.9%-0.0pp	2.9%-0.8pp	3.7%+1.1pp	2.6%-4.6pp	7.1%+1.0pp	6.2%
Return on Assets	0.4%+0.1pp	0.3%0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%-0.2pp	0.5%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.97+0.6	9.34+0.9	8.41+0.2	8.21-2.2	10.40+1.7	8.71-5.1	13.83	N/A
FCF Margin	18.6%-15.5pp	34.1%+15.8pp	18.3%-1.5pp	19.8%+10.2pp	9.6%-24.6pp	34.3%-21.8pp	56.0%+5.9pp	50.1%

Similar Companies

First Western Financial MYFW

$320.4M

Princeton Bancorp, Inc. BPRN

$259.7M

Old Point Finl OPOF

$214.8M

Franklin Finl Svcs Corp FRAF

$277.7M

First Internet B INBK

$230.7M

Frequently Asked Questions

What is Chain Bridge Bancorp's annual revenue?

Chain Bridge Bancorp (CBNA) reported $55.8M in total revenue for fiscal year 2025. This represents a 16.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Chain Bridge Bancorp's revenue growing?

Chain Bridge Bancorp (CBNA) revenue grew by 16.2% year-over-year, from $48.1M to $55.8M in fiscal year 2025.

Is Chain Bridge Bancorp profitable?

Yes, Chain Bridge Bancorp (CBNA) reported a net income of $20.2M in fiscal year 2025, with a net profit margin of 36.2%.

What is Chain Bridge Bancorp's net profit margin?

Chain Bridge Bancorp (CBNA) had a net profit margin of 36.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Chain Bridge Bancorp's return on equity (ROE)?

Chain Bridge Bancorp (CBNA) has a return on equity of 12.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Chain Bridge Bancorp's free cash flow?

Chain Bridge Bancorp (CBNA) generated $11.5M in free cash flow during fiscal year 2025. This represents a -46.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Chain Bridge Bancorp's operating cash flow?

Chain Bridge Bancorp (CBNA) generated $15.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Chain Bridge Bancorp's total assets?

Chain Bridge Bancorp (CBNA) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Chain Bridge Bancorp's capital expenditures?

Chain Bridge Bancorp (CBNA) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Chain Bridge Bancorp's debt-to-equity ratio?

Chain Bridge Bancorp (CBNA) had a debt-to-equity ratio of 9.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Chain Bridge Bancorp's return on assets (ROA)?

Chain Bridge Bancorp (CBNA) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Chain Bridge Bancorp's Piotroski F-Score?

Chain Bridge Bancorp (CBNA) has a Piotroski F-Score of 2 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Chain Bridge Bancorp's earnings high quality?

Chain Bridge Bancorp (CBNA) has an earnings quality ratio of 0.77x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Chain Bridge Bancorp?

Chain Bridge Bancorp (CBNA) scores 61 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.